Complaint Information:

When considering the company's complaint index and ratio,
be sure to review the company history information displayed below
for recent acquisitions, mergers, or other events that may affect
the figures displayed for this company.

Dec 31, 2013

Dec 31, 2014

Jul 31, 2015

Confirmed Complaints:

Life and Annuity

0

0

0

Accident and Health

0

0

0

Homeowner

0

0

0

Automobile

0

0

0

Workers' Compensation

0

0

0

Complaint Ratio/Index

Ratio

Index

Ratio

Index

Life and Annuities

N/A

N/A

N/A

N/A

N/A

Accident and Health

N/A

N/A

N/A

N/A

N/A

Homeowner

N/A

N/A

N/A

N/A

N/A

Automobile

N/A

N/A

N/A

N/A

N/A

Workers' Compensation

N/A

N/A

N/A

N/A

N/A

Confirmed Complaints: the number of confirmed complaints closed
against the company for the line of insurance and year indicated.
A complaint is confirmed if the department receives information indicating that a company
committed any violation of an applicable state insurance law or regulation, a federal requirement
the department has authority to enforce or the term or condition of an insurance policy or
certificate. A complaint is also confirmed if the complaint and company's response,
considered together, suggest that the company was in error or that the complainant had a valid
reason for the complaint.

Complaint Ratios: the ratio, expressed as a percentage,
is the number of closed confirmed complaints divided by
the number of policies the company had in force for
the line of insurance and year indicated.

Complaint Index: indicates how a company's ratio of
the number of complaints to the number of policyholders
compares to the average for all insurers.
The index is calculated by dividing the company's percentage of
complaints for a specific line of insurance by the company's
percentage of the policies in force for the same line of insurance.
The average index is 1.00. A number less than 1 indicates
fewer complaints than average; a number greater than 1 indicates
more complaints than average. For the most recent completed year,
a given insurer's index may change over time, as policy count data is
received by TDI. This will affect each insurer's percentage of the total.

Complaints against an insurance company are not part of
the complaint tally above if the insurance company served
only as a Third Party Administrator (TPA), a company hired
simply to administer the paperwork of a health plan.
Instead, they are included in the complaint record of the
insurance company or HMO that hired the TPA.
If a bonafide self-insured benefit plan hired the TPA,
no complaint numbers are recorded as a part of the company/TPA's profile.
Neither are profiles available for self-insured plans,
as such plans are regulated under federal law.